Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Crystal

Awesome Service!

Trupanion has the most amazing customer service! They seem like they really care about your pet and try to help in any way they can. The response time and turnaround was really fast! They worked with my veterinarian to directly pay the hospital so I wouldn't have to pay $3,360.00 up front. They really surprised me keeping me updated on the claim process. I am so glad I have them as a pet insurance company.
5

out of 5

POSTED: | BY: brenda

excellent

I have been impressed with Trupanion, the acknowledgement of claims and updates are excellent.
5

out of 5

POSTED: | BY: Kseniya

Great choice

I was looking at reviews and researching pet insurances myself about a year ago.I've signed up for Trupanion. I would highly recommend this plan to other pet owners. Several months ago my cat was diagnosed with feline asthma. Medications and inhalers are very expensive. I would not have been able to afford it if I didn't have Trupanion coverage. They pay 90% of all costs as promised. Moreover other insurance companies don't even cover chronic illnesses like feline asthma and cost the same.
1

out of 5

POSTED: | BY: Linda Lavis

Be upfront with coverage by breed

My premium after less than 1 year went up 202% - my vet costs over the past 4 years have not increased by more than 5%. Trupanion charges difernt premiums for different breeds but no where can I find any other statement other than they will only raise premiums when vet costs go up . . . 202%?????
5

out of 5

POSTED: | BY: Tracy

Corn cobs and Berners don't mix!

Murfy, my 27 month Berner ingested three 1" chunks of corn cob and they had to be surgically removed. He was hospitalized for two days and the final bill came to slightly more than $4000. of which Trupanion covered $3022. (We have $500 deductible.) The vet preauthorized the claim so we were not forced to pay the total amount upfront and then wait for reimbursement. The initial exam and diagnosis took place September 11 and the cheque was in the mail to the vet by Sept 16. In my opinion this was exceptional service and gave me great peace of mind to know Murfy was taken care of no matter what the treatment and cost was not an issue.
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion Canada Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  
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